Sustainable Development

1. Policy and goals of sustainable management Sustainability policy

       The Company conducts business on the basis of creating growth for all groups of stakeholders. Both in
the economic dimension, the social dimension, and the environmental dimension. Under good corporate governance according to international standards and the Sustainable Development Goals (SDGs) of the United Nations Organization. The company has set sustainability  directions in 3 main dimensions under the framework of good corporate governance as follows:

   1. Economic dimension

  Encourage Thailand’s Economic by supporting SMEs to access source of fund systematically

  The Company aims to be a non-financial source of alternative fund for Small and Medium Enterprises (SMEs) which cannot access to source of funds, not being supported by financial institutions even that those SMEs have potential to grow. Such businesses normally require funding outside the system (loan shark) which is a barrier to succeed the Company’s goals in long term.

  •  Product Innovation for SME

  The Company considers developing a variety of financial services to provide total financial solutions especially for SMEs in order that SMEs can grow in accordance with their true capability.

  • True Financial Partner

  The Company always supports SME side by side and gives them financial advice on funding source in accordance with our core mission to enhance the relationship between the Company and SMEs customers as “True Financial Partner”.

   2. Social Dimension

  Develop strong society

  The Company gives importance to developing strong society according to good governance guideline so that the Company sets clear guidelines for executives and employees to conform as followings; Anti Corruption, Human Right, Accounting operations, Fair labor practices, Health and safety in the work environment, fair business operation and responsibility for business partners, Breaches and supply chain management

   3. Environmental Dimension

  The current environmental problems which tend to be more serious. As a part of mitigation or impact arising from Human actions, either directly or indirectly. The Company and employees have created a consciousness to protect the world, protect the environment. It is believed that the small dots, when combined together, constitute a group and the power to reduce or mitigate pollution.

Sustainability management goals

The Company is aware of its participation in operations to achieve sustainable development goals. By conducting the business of the company Support the United Nations sustainability goals in the following areas:

             1. Sustainability framework for corporate governance 

                There are 2 important business issues as follows:

                 (1) Corporate governance and business ethics  [Support SDGs Goal 16 and 17]

                 (2) Risk management [Support SDGs Goal 8]

            2. Economic sustainability framework

                There are 3 important business issues as follows:

                (1) Company operating results  [Support SDGs Goal 12]

                (2) Brand management [Support SDGs Goal 3 and 9]

                (3) Technology and innovation development [Support SDGs Goal 8, 9 and 12]

            3. Social sustainability framework

                There are 3 important business issues as follows:

                (1) Being a source of funding that SMEs can access [Support SDGs Goal 1, 8, 11 and 17]

                (2) Data security [Support SDGs Goal 16 and 12]

                (3) Development and care of employees [Support SDGs Goal 3 4 5 8 10 and 17]

            4. Environmental sustainability framework

                There is one important business issue as follows:

                (1) Climate change [Support SDGs Goal 13]

           The Company has sustainability management goals as follows:

            1. Corporate Covernance

                Corporate Governance and Business Ethics: Maintaining excellent CGR corporate governance assessment results. Maintaining the evaluation results of Annual General Meeting of Shareholder at the level of 5 coins.

            2. Economic dimension

                1. Company performance: Creating returns on investment for shareholders by paying dividends.

                2. Brand management: Creating a brand to be known to target SMEs customers. In 2024,
                    Long-term goal 2024 - 2027 , The Company's vdo advertisement have been view 1 million times.

            3. Social dimension

                1. Being a source of capital that SMEs can access: Loan support not less than 4,000 million baht.

                2. Data security: There are no complaints about personal data violations.

                3. Employee development and care: Employee commitment level towards the organization is not 
                    less than 80%, employees who pass probation must attend at least 1 training course, zero
                    work-related accidents.

            4. Environmental dimension

                 1. Climate change: Prepare information on the organization's greenhouse gas emissions.
                     As well as verifying the organization's greenhouse gas emissions data to determine guidelines
                    for managing greenhouse gas emissions.

                2. Reduce the use of electricity and tap water at least 5%. Increase the amount of recycle waste at
                    least 5%.

Guidelines for sustainable development   

  The Company is committed to conducting business under good corporate governance. Taking into account the impact on the economy, society and the environment, the company has set guidelines for developing sustainability and stakeholder participation as follows:

1. To monitor developments, events, changes in related industry by considering factors that impact the business, society and the Company's environment such as the changing weather conditions, financial technology, international sustainable standards e.g.Global Reporting Initiative (GRI), Sustainable Development Goal (SDGs).

2. Accord importance to all stakeholders’ expectations via participation in various activities, for example, conducting survey of customers’ satisfaction, trade partners’ satisfaction, employees’ satisfaction, including taking into consideration the  Board of  Director’s suggestions in order to improve and meet the expectations of the stakeholders appropriately

Disclosing the policy to all groups of employees and stakeholders as follows

1.  Corporate Governance Policy

  •  Rights of shareholders

  •  Equitable treatment of shareholders

  •  Roles of stakeholders

  •  Information disclosure and transparency

  •  Board responsibilities

2.  Business Ethics

  •  Conflict of interest

  •  Protecting the assets and using the assets of the Company

  •  Giving or receiving gifts

  • Securities Trading and the Use of Inside Information

  • Internal control and audit and financial reporting

  • Prohibit dishonesty

  • Confidentiality and information

  •  Human rights and political activities

  • Anti-corruption and bribery

  • Whistle Blowing,  Channels for receiving complaints, protection for whistleblowers, etc.

United Nations SDGs that align with the organization's  sustainability management goals  :

          Goal 1 No Poverty,
          Goal 3 Good Health and Well-being,
          Goal 4 Quality Education, Goal 5 Gender Equality, Goal 8 Decent Work and  Economic Growth,
          Goal 9 Industry, Innovation and Infrastructure,
          Goal 10 Reduce Inequalities, Goal 11 Sustainable Cities and Communities,
          Goal 12 Responsible Consumption and Production,
          Goal 13 Climate Action, Goal 16 Peace, Justice and Strong  Institutions,
          Goal 17 Partnerships for the Goals

2. Business value chain

               The Company places importance on managing the business value chain (Value Chain), which is a tool to help develop competitive capabilities, reduce risks from doing business In the business operations of the Company. There are main activities and stakeholders involved in the process as follows :

                          

        3.Materiality Identification

               The Company considers the organization strategy and the impact on stakeholders. By Connecting with internal and external stakeholders as follow